FAFSA

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My nephew just got his yesterday and he submitted on October 5th. My daughter submitted October 22nd so I guess we still have a wait ahead of us lol. What's weird is that my nephew's SAI was calculated completely different than last year - his expected contribution went up by $7,000 even though our family income only increased by about $3,000. Anyone else notice big changes in the calculation method?

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Yes, they completely changed the formula this year! The FAFSA Simplification Act eliminated many of the previous deductions and changed how they calculate the Student Aid Index (formerly EFC). Some of the biggest changes include: 1. They no longer subtract state and local tax allowances 2. They changed how they treat multiple students in college 3. They adjusted the income protection allowance 4. They eliminated the small business/farm asset protection Most middle-income families are seeing higher SAI calculations, unfortunately. It's worth appealing directly to your college's financial aid office if the new SAI doesn't reflect your actual ability to pay.

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Update: I called my son's college financial aid office this morning, and they told me they've extended their priority deadline to March 15th because of all the FAFSA delays! They also said they're seeing most applications take 4-5 weeks to process right now. So relieved to have a little more breathing room. Thanks everyone for your helpful comments!!

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thats great news! wish my kids school would do the same

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which college is that? my daughter applied to 5 different schools and i need to check all their deadlines now

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lol its actually kinda genius of ur ex if he knows what hes doing. if hes higher income and does the FAFSA ur kid will get less aid. if u do it with lower income they might get more. maybe hes actually trying to help? just saying its possible

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Trust me, he's not trying to help. He's been financially manipulative throughout our divorce. I think he's trying to create confusion or possibly sabotage the application entirely.

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This is actually a common misconception. FAFSA requires the parent who provides more than 50% of support to complete the form, regardless of which parent would provide a more advantageous financial picture. Deliberately choosing the "wrong" parent to get more aid could lead to verification issues and potential penalties for misrepresentation.

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Update: I called my child's prospective college financial aid office, and they recommended I start a completely new FAFSA application as the contributing parent. They said it's better than trying to modify his abandoned application. They also suggested I keep all receipts and documentation showing I provide most of the support (housing, food, clothing, etc.) in case we get selected for verification. Apparently, this situation is pretty common with divorced parents. Thanks everyone for the advice!

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Great update! The financial aid office gave you exactly the right guidance. Starting fresh is always cleaner than trying to modify an application someone else began. Good luck with the process!

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Smart move calling the school directly! They usually give the best advice since they're the ones who'll actually be processing the aid.

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Just a quick update for everyone experiencing this issue - the Department of Education announced yesterday that they're dedicating additional resources to clear the backlog of SAI calculations for applications with self-initiated corrections. They're prioritizing applications where the correction was processed more than 10 business days ago, so you should see movement soon. You can check the FSA social media accounts for the announcement.

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That's actually good news! Just checked their Twitter and saw the announcement. Hopefully this means mine will be processed soon without me having to spend hours trying to get through on the phone.

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My daughter had this issue last month and what worked for us was going back into the FAFSA and clicking "Make FAFSA Correction" even though there wasn't anything to correct. We just went through each page, didn't change anything, and resubmitted. Somehow this "pushed" the application through the system and her SAI showed up 2 days later. Might be worth trying!

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That's a really interesting workaround! I'm a bit nervous about making any changes since the DoE already initiated their own correction, but at this point I might try anything. Did you have to re-sign with the FSA ID when you resubmitted?

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Yes, both my daughter and I had to re-sign with our FSA IDs even though we didn't make any actual changes. I think that's what triggered the system to take another look at the application. It was completely stuck before that.

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Anyone else still traumatized from last year's FAFSA rollout? I'm having flashbacks to the months of glitches, calculation errors, and parents not being able to link their accounts properly. Really hoping they fixed all that for this cycle.

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OMG YES! My mom tried to link her account 17 TIMES and it kept failing. Then when it finally worked, her AGI was wrong somehow?? We ended up filing a correction that took FOREVER to process. I'm seriously considering skipping FAFSA this year and just taking out private loans to avoid the headache.

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Friendly reminder for everyone: even though FAFSA opens October 1st, many schools have their own priority deadlines for financial aid. My son's university has a November 15th priority deadline for maximum aid consideration. Check your school's financial aid website for their specific dates!

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That's a really good point! I'll check my school's deadline too. Would be terrible to file on time for FAFSA but miss my school's priority date.

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also dont stress too much first time i filled my fafsa out i made mistakes and was able to go back and fix them later. its not the end of the world if u mess up something

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One final piece of advice - don't pay anyone to complete your FAFSA. There are scams out there that charge fees for "guaranteed aid" or "special access" to scholarships. The FAFSA is always free to complete (that's what the first F stands for - Free Application for Federal Student Aid). If you need help, reach out to your high school counselor or the financial aid office at colleges you're applying to - they provide assistance at no cost.

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Thanks for the warning! My mom actually mentioned some service she heard about that charges $80 to fill it out for you. I'll let her know that's not necessary. You all have been so helpful - I feel much more prepared now!

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